Absolutely. Missing payments doesn’t mean your lender followed proper foreclosure procedures. We regularly find problems with mortgage assignments, missing documentation, improper notices, or violations of New York’s strict foreclosure requirements. Even if you owe the money, your lender still has to prove they have the legal right to foreclose and that they followed all required procedures. These technical defenses can stop or significantly delay foreclosure, giving us time to negotiate a solution. Plus, many homeowners missed payments due to lender errors, payment processing problems, or disputes over fees and charges.